The key reason to get auto insurance would be to protect your self. Accidents happen. They are bound to happen and when they do the effects could be disastrous. You might end up having to pay to repair your car. Your vehicle might be written off and then you will still be responsible for any money that you owe on the vehicle in addition to whatever vehicle you buy to replace the damaged automobile. This isn't a scenario that you want to end up in. It can be financially devastating.
If you have car insurance, which you can easily get online, then a large amount of this could be paid for by the insurance provider. Obviously, you do have to be sure that you get the right kind of insurance coverage for your vehicle. If you have an expensive vehicle then much more comprehensive car insurance is the key. If you have an older vehicle that doesn't have a really big resell value but may be expensive to repair, then more basic car insurance is probably a better idea as the car is more likely to be written off. If the damage to a vehicle will cost more to repair than the resale value of the automobile then it's often written off. For this reason older cars are more likely to be written off then newer ones.
Having auto insurance is a very good idea. It's really easier to find the cash each month to pay for your car insurance premiums rather than have to try to look for the money to cover the substantial repairs your vehicle may need if it's involved in an accident. Even this is easier than trying to find the money to replace a vehicle that has been so badly damaged that it's not cost effective to repair it.
As you can tell, if you have a car and have even a small amount of cash available each month, car insurance is a good investment. It's designed to protect you financially and to help you to cover any costs that you might incur if you're involved in an accident. It is a fact that you will likely still have to pay excess fees however they will be far less than the cost of the repairs or the cost of replacing your automobile.
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